Individual or Joint Account Details

Regular mutual fund accounts are registered most commonly as individual or joint accounts.

  • An individual account has one owner.
  • A joint account has more than one owner (such as you and your spouse).

An individual or joint account can help you reach your personal financial goals-whether investing for retirement, college, or simply building wealth. American Century Investments® offers a wide range of funds to help you get there.

  • All account owners must be age 18 or older.
  • All account owners must be a resident or resident alien of the U.S. or one of its territories.
Investment Choices

Select from a variety of American Century Investments' mutual funds based on your risk tolerance and investment objectives.

Minimum Initial Investment

$2,500 per fund. Some funds may require higher minimums.

Additional Investments

$50 minimum on additional investments. American Century Investments also offers automatic investment plans to help you reach your financial goals.


Capital Gains:

  • All funds pay any capital gains distributions annually in December.
  • Some Stock funds pay any capital gains distributions twice per year in March and December.


  • Most Stock funds pay any dividends annually in December.
  • Asset Allocation/Balanced funds and some income-producing Stock funds pay any dividends quarterly.
  • Most Bond funds pay dividends monthly.
  • Money Market funds accrue dividends daily and pay them monthly.
  • You are taxed on any dividends and capital gains distributed by the fund each year. The tax rate varies depending on the type of income distributed and your tax bracket.
  • You are taxed on any capital gains when you sell shares or exchange them for another fund. The tax rate varies depending on how long you owned the shares and your tax bracket.
Service Fees

American Century Investments charges a $12.50 semiannual account maintenance fee to investors whose total investments with us are less than $10,000 for each taxpayer identification number (for example, Social Security number).

Secure Online Account Access

Simply create a User Name and Password and Log In to:

  • View account balances
  • Conduct online transactions
  • View tax forms (if available)
  • Perform account maintenance, such as changing your address
  • And more.
IRS Circular 230 Disclosure: American Century Companies, Inc. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with American Century Companies, Inc. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

This information is for educational purposes only and is not intended as tax advice. Please consult your tax advisor for more detailed information or for advice regarding your individual situation.